Saturday, December 26, 2009

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Dental Discount Plans - We all know that insurance is an expensive thing to have

Everyone knows that health insurance is expensive, especially for the small business owner and those who are self-employed. The same is true for dental insurance. In response to such costs, many companies are now offering "discount dental plans." Are these so-called "plans" really a good idea to help budget-conscious individuals and families to save money, or are they merely scams? This article will discuss important differences between dental insurance and dental discount plans. Then, various options for researching plans will be discussed. Finally, this article will provide some web sites that you can check out for further review.

We all know that insurance is an expensive thing to have. In tough economic times, it is hard for families to provide their families with all of the insurance they need. For example, now that I have taken on my small business full-time, and given up my teaching position--I had to get new health insurance. In addition, we had to decide as a family what to do about our dental needs. After much research, we decided that a dental discount plan would provide us with cost effective savings without the ongoing cost of dental insurance. But there are important differences between dental insurance and dental discount plans:

* Dental insurance requires a deductible to be met before the company will begin to pay on expenses incurred for dental care. With discount dental plans, there are no deductibles or waiting periods.
* Dental insurance requires a co-pay, while dental discount plans arrange for a set fee for members for each procedure that is often lower than what one would pay by simply walking in the door with no insurance.
* Dental insurance assumes responsibility for payment of expenses charged by the dentist, while dental discount plans make the consumer 100% responsible for paying their bills.

Type "discount dental plans" into a search engine, such as Google, and you will see over 1.39 million hits! Knowing where to look is the key. Many insurance companies, such as Aetna, Cigna, and others--offer dental discount plans in addition to their traditional insurance options. Check with these companies and let them know you are looking for discount dental plans. Another way to find out is to simply ask your dentist. He or she would be able to tell you what plans they work with, and, since most people like their dentist--it makes sense to choose a plan that allows you to keep the same one! Thirdly, ask around. Friends, family members, fellow small business or self-employed persons--all can tell you about how they meet their dental needs. Always make sure that you check out any company sponsoring such plans with the Better Business Bureau. Be aware that the name of the plan may not always be the name of the company who administers the plan!

While there are many options on the internet for discount dental plans, here are some more reliable websites. This comes from many hours of searching the web, looking at various websites. As always, check out ANY company, and don't be afraid to ask questions before you buy. Slow or no response can be a big red flag! In no particular order, here are some helpful links to discount dental plans:

Dental Plans--(dentalplans) Dental Plans.Com offers the largest selection of discount dental plans that I've come across on the web. You type in your zip code and instantly, available plans in your area pop up! Also, we were able to save $40 by using a coupon code (just type in DentalPlans.Com coupon codes) and you'll save as much as we did! Dental Plans also lets you look up providers in your area before you buy!

Finally, check with major insurance providers (both health and dental). Many offer discount dental plans as part of their offerings to consumers.

With a little hard work, research, and persistence, you can find a reputable, reliable, and cost-effective way to receive dental care. And remember the old adage, "if it sounds too good to be true, it probably is!" Smile bright!

Discount dental plan is a low cost dental insurance alternative

dental plans, dental insurance, dental insurance plans, dental plan, affordable dental insurance,, discount dental plans, cheap dental insurance, individual dental insurance, aetna dental access, dentalplans, cigna dental, careington, individual dental plans, aetna, dental discount plans, dentist insurance, dentist, dentemax, dental discount, preferred network access, dental care, dental health careEvery working individual wish that their employers will provide an economical insurance plans for their family's dental needs. If you have a family, you know how crucial it is to have a reasonably-priced dental plan because of the high costs of dental procedures. Unfortunately, not all employers provide low-cost dental insurance. The recent economic meltdown made things even more difficult, even employers are struggling to continue business. Because of this, companies tend to trim expenses where they can and end up offering expensive dental insurance that makes it hard for families to pay for.

However, there is one alternative that can provide ample protection and yet is incredibly cost-effective. With just a little research, you can learn more about discount dental plans and dental insurance.

Discount dental plan is a low cost dental insurance alternative. This type of dental health plan is perfect for people who are seeking out inexpensive coverage for various needs. You can purchase a great dental discount plan for as low as $20 per month. That's a lot of savings considering that people pay around $100 per month for an average, run-of-the-mill dental insurance.

Just like any dental insurance, this type of plan an provide coverage for routine maintenance and occasional filings. Most discount dental plans offer 10% to 80% unlimited dental procedures and you may go to your dentist as many times as you want. Some plans even provide coverage for cosmetic surgery.

Instead of paying high premiums, you could be saving a lot of money and put it towards much important things such as your child's college fund. Indeed, finding a reliable yet affordable dental care plan is essential and one of the most rewarding savings that you can give to your family.

Discount dental care plans offer incredible savings, solving your low cost insurance dental needs.

In order to find the right dental plan for you and your family's needs, searching the internet is the best way to get the facts fast. Search for companies that provide low cost dental plans and compare the rates of each plan as well as the offered policies. This is to ensure that you are covered sufficiently in case of anyone in the family require major dental procedures.

The only way you'll get the chance to save money is by taking action. Shop around, compare rates and seek answers. But don't stop there. Be aware that you may get tons of savings with multiple types of insurance; all you have to do is ask.

To find out more information on how you can save thousands of dollars on cheap dental plans and various dental coverage plans.